Regions Bank: dispute with a merchant through the bank

Collect

• statement showing the posted charge
• receipts or invoices
• record of contact with the merchant

Steps

1. For a problem with goods or services, contact the merchant first and keep proof.

2. For a debit, ATM or Now Card transaction, file the dispute in Online Banking or the app, or call customer service.

   AppDispute a debit, ATM or prepaid Now Card transaction online Regions Online Banking > Customer Service tab > Dispute a Card Transaction (or in the mobile app ask Reggie "Dispute a transaction") Sign-in required

3. Or call the Green Line or visit a branch.

   PhoneRegions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks +1-800-734-4667 Account holder only

4. For a credit card, call credit card customer service, or write to the billing error address on the back of your statement.

   PhoneRegions Credit Card Customer Service; lost or stolen credit card and credit card disputes +1-800-253-2265 Account holder only

5. If Regions does not resolve it, complain to the CFPB.

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

Facts you can cite

• Policy

  Regions accepts disputes only for posted transactions; pending charges generally must post before you can dispute them.

  Source: regions.com, verified 2026-10-13

• Process

  Regions says ATM card and credit card transaction claims cannot be filed through Regions Online Banking. Credit card disputes can be made by phone at 1-800-253-2265, at a branch, or by mail to the billing error address on the back of the statement.

  Source: regions.com, verified 2026-10-13

Rules in force

• Fair Credit Billing Act billing-error and purchase-dispute rights (Regulation Z)
  12 CFR 1026.13; 12 CFR 1026.12(c) (Regulation Z)

  For credit card and other open-end credit accounts, a written billing-error notice that the creditor receives within 60 days after it sent the first statement with the error starts a dispute process. The creditor must acknowledge it within 30 days and resolve it within 2 complete billing cycles (no later than 90 days). Until then, the consumer need not pay the disputed amount and the creditor may not collect it or report it as delinquent. A separate rule lets a cardholder assert claims and defenses about a card purchase against the card issuer.

  Source: consumerfinance.gov, verified 2026-10-12

  2 citable points

  • Policy

    Claims and defenses (12 CFR 1026.12(c)): when a merchant does not resolve a dispute about property or services bought with a credit card, the cardholder may assert against the card issuer all claims (other than tort claims) and defenses from the transaction, and may withhold payment up to the amount of credit outstanding for that purchase plus related charges. The issuer may not report that withheld amount as delinquent until the dispute is settled or judgment is rendered.

    Source: consumerfinance.gov, verified 2026-10-12

  • Limit

    Claims-and-defenses limits: the cardholder must first make a good faith attempt to resolve the dispute with the merchant, the purchase must exceed $50, and it must have occurred in the same state as the cardholder's current designated address or within 100 miles of it. The $50 and location limits do not apply when the merchant is the card issuer, is controlled by or controls the issuer, is a franchised dealer in the issuer's products, or got the order through a mail solicitation the issuer made or took part in.

    Source: consumerfinance.gov, verified 2026-10-12

If that fails, escalate

Go up one step at a time. Keep the reference numbers and dates from each contact.

1. Customer service

   PhoneRegions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks +1-800-734-4667 Account holder only

2. Written complaint

   PhoneRegions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks +1-800-734-4667 Account holder only
   PhoneRegions Credit Card Customer Service; lost or stolen credit card and credit card disputes +1-800-253-2265 Account holder only

   For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address.

3. Federal regulator

   RegulatorConsumer Financial Protection Bureau +1-855-411-2372

4. Federal regulator

   RegulatorFederal Reserve Consumer Help +1-888-851-1920

5. State agency

   Your state’s financial regulator. Find it in the list of state agencies (also as JSON: states/<code>.json, for example states/ny.json).

Watch out

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